【正文】 irst proposed that the research background and the significance, the introduced the writing frame again。 研究的目的和意義 .................................................................................................... 1 研究的目的 ...................................................................................................... 1 研究的意義 ...................................................................................................... 1 國(guó)內(nèi)外研究現(xiàn)狀 ........................................................................................................ 2 國(guó)外研究現(xiàn)狀 ................................................................................................... 2 國(guó)內(nèi)研究現(xiàn)狀 ................................................................................................... 2 論文的基本框架 ....................................................................................................... 3 主要研究方法 ........................................................................................................... 3 第 2章 個(gè)人理財(cái)?shù)暮x及其產(chǎn)品的類型 ................................................................ 5 個(gè)人理財(cái)業(yè)務(wù)的含義和特點(diǎn) ................................................................................... 5 個(gè)人理財(cái)業(yè)務(wù)的含義 ...................................................................................... 5 個(gè)人理財(cái)業(yè)務(wù)的特點(diǎn) ...................................................................................... 6 個(gè)人理財(cái)業(yè)務(wù)的產(chǎn)品類型 ....................................................................................... 6 結(jié)算業(yè)務(wù) .......................................................................................................... 6 咨詢業(yè)務(wù) .......................................................................................................... 6 代客理財(cái) .......................................................................................................... 6 保管箱業(yè)務(wù) ...................................................................................................... 7 個(gè)人貸款業(yè)務(wù) .................................................................................................. 7 本章小結(jié) ................................................................................................................... 7 第 3章 國(guó)內(nèi)外商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)發(fā)展?fàn)顩r及比較分析 .......................... 8 . 國(guó)外個(gè)人理財(cái)業(yè)務(wù)發(fā)展?fàn)顩r及特征 ..................................................................... 8 國(guó)外個(gè)人理財(cái)業(yè)務(wù)發(fā)展?fàn)顩r .......................................................................... 8 國(guó)外個(gè)人理財(cái)業(yè)務(wù)發(fā)展特征 .......................................................................... 9 國(guó)內(nèi)個(gè)人理財(cái)業(yè)務(wù)發(fā)展?fàn)顩r ................................................................................. 10 國(guó)內(nèi)外商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的比較分析 ......................................................... 11 個(gè)人理財(cái)業(yè)務(wù)所處的發(fā)展階段不同 ............................................................ 11 理財(cái)產(chǎn)品完備性方面差距較大 .................................................................... 11 本章小結(jié) ................................................................................................................. 14 第 4 章 我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)存在的問題及其根源 ............................. 15 我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)存在的問題 ............................................................. 15 尚未真正建立 “以客戶為中心 ”的經(jīng)營(yíng)模式 ................................................. 15 組織機(jī)構(gòu)設(shè)置存在問題 ................................................................................ 15 產(chǎn)品同質(zhì)性強(qiáng) ................................................................................................ 15 市場(chǎng)推廣與開拓不足 .................................................................................... 16 營(yíng)銷渠道單一 ................................................................................................ 17 科技手段落后 ................................................................................................ 17 高素質(zhì)的綜合理財(cái)人員匱乏 ........................................................................ 17 我國(guó)商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)存在問題的根源 ...................................................... 18 限制個(gè)人理財(cái)業(yè)務(wù)發(fā)展的市場(chǎng)因素 ............................................................ 18 限制個(gè)人理財(cái)業(yè)務(wù)發(fā)展的政策因素 ............................................................ 19 本章小結(jié) ................................................................................................................. 20 第 5 章 發(fā)展我國(guó)個(gè)人理財(cái)業(yè)務(wù)的對(duì)策規(guī)劃 ......................................................... 21 大力改善商業(yè)銀行開展個(gè)人理財(cái)業(yè)務(wù)的宏觀外部環(huán)境 ..................................... 21 完善商業(yè)銀行個(gè)人理財(cái)?shù)氖袌?chǎng)監(jiān)管和法律規(guī)范 ........................................ 21 加快我國(guó)金融市場(chǎng)的發(fā)展步伐 .................................................................... 21 允許金融的混業(yè)經(jīng)營(yíng) .................................................................................... 21 商業(yè)銀行提高自身個(gè)人理財(cái)業(yè)務(wù)發(fā)展的水平 ..................................................... 22 樹立以客戶為中心的經(jīng)營(yíng)理念 .................................................................... 22 構(gòu)建系統(tǒng)化理財(cái)業(yè)務(wù)體系 ............................................................................ 23 塑造理財(cái)品牌 ................................................................................................ 24 國(guó)有商業(yè)銀行應(yīng)該加快網(wǎng)絡(luò)化進(jìn)程 ............................................................ 24 鍛煉和培育高素質(zhì)的客戶經(jīng)理隊(duì)伍 ............................................................ 25 建立科學(xué)的激勵(lì)機(jī)制 .................................................................................... 25 建立個(gè)人客戶評(píng)價(jià)體系 ................................................................................ 26 本章小結(jié) ................................................................................................................. 26 結(jié)論 ...................................................................................................................................... 28 參考文獻(xiàn) ............................................................................................................................. 29 致謝 .........................................................................................